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Lyons Bancorp Inc (LYBC)
OTHER OTC:LYBC
US Market
LYBC
Lyons Bancorp
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Lyons Bancorp (LYBC) Ratios

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Lyons Bancorp Ratios

LYBC's free cash flow for Q4 2025 was $0.94. For the 2025 fiscal year, LYBC's free cash flow was decreased by $ and operating cash flow was $0.39. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 100.95 100.95 0.16 0.24 0.23
Quick Ratio
 100.95 100.95 0.16 0.24 0.23
Cash Ratio
 70.75 70.75 0.04 0.03 0.02
Solvency Ratio
 0.01 0.01 <0.01 0.01 0.01
Operating Cash Flow Ratio
 0.00 92.86 0.03 <0.01 0.01
Short-Term Operating Cash Flow Coverage
 0.00 92.86 57.40 0.00 0.00
Net Current Asset Value
$ -1.90B$ -1.90B$ -1.73B$ -1.35B$ -1.28B
Leverage Ratios
Debt-to-Assets Ratio
 <0.01 <0.01 0.01 0.01 0.01
Debt-to-Equity Ratio
 0.14 0.14 0.21 0.20 0.24
Debt-to-Capital Ratio
 0.12 0.12 0.18 0.17 0.19
Long-Term Debt-to-Capital Ratio
 0.10 0.10 0.15 0.17 0.19
Financial Leverage Ratio
 14.60 14.60 16.65 17.84 20.09
Debt Service Coverage Ratio
 92.85 83.63 65.55 0.77 3.24
Interest Coverage Ratio
 0.00 0.00 0.00 0.93 3.80
Debt to Market Cap
 0.08 0.10 0.15 0.15 0.11
Interest Debt Per Share
 5.75 5.74 7.23 13.17 7.80
Net Debt to EBITDA
 0.05 0.05 0.17 -1.52 -0.86
Profitability Margins
Gross Profit Margin
96.48%96.67%60.81%70.49%86.56%
EBIT Margin
37.52%36.54%19.63%26.43%31.75%
EBITDA Margin
37.52%36.54%19.63%27.98%33.81%
Operating Profit Margin
37.53%36.54%26.80%26.43%31.75%
Pretax Profit Margin
37.47%36.54%19.63%26.43%31.75%
Net Profit Margin
28.87%28.39%15.11%20.34%25.00%
Continuous Operations Profit Margin
28.87%28.39%15.11%20.34%25.00%
Net Income Per EBT
77.05%77.69%76.95%76.93%78.72%
EBT Per EBIT
99.85%100.00%73.24%100.00%100.00%
Return on Assets (ROA)
1.14%1.03%0.80%0.94%0.98%
Return on Equity (ROE)
18.34%15.03%13.36%16.75%19.71%
Return on Capital Employed (ROCE)
1.48%1.33%1.90%11.53%20.18%
Return on Invested Capital (ROIC)
1.14%1.03%1.39%8.88%15.89%
Return on Tangible Assets
1.14%1.03%0.80%0.94%0.98%
Earnings Yield
11.50%13.34%11.05%12.08%9.15%
Efficiency Ratios
Receivables Turnover
 10.63 9.76 0.00 2.24 2.00
Payables Turnover
 0.00 0.00 0.00 0.98 0.41
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 3.01 2.76 3.74 3.44 2.66
Asset Turnover
 0.04 0.04 0.05 0.05 0.04
Working Capital Turnover Ratio
 6.42 -0.40 -0.12 -0.07 -0.06
Cash Conversion Cycle
 34.33 37.41 0.00 -211.46 -698.94
Days of Sales Outstanding
 34.33 37.41 0.00 162.82 182.49
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 374.28 881.42
Operating Cycle
 34.33 37.41 0.00 162.82 182.49
Cash Flow Ratios
Operating Cash Flow Per Share
 0.00 6.96 3.97 2.65 5.69
Free Cash Flow Per Share
 0.00 6.68 3.82 2.58 5.51
CapEx Per Share
 0.00 0.28 0.15 0.07 0.18
Free Cash Flow to Operating Cash Flow
 0.00 0.96 0.96 0.97 0.97
Dividend Paid and CapEx Coverage Ratio
 0.00 3.33 2.33 1.66 3.60
Capital Expenditure Coverage Ratio
 0.00 24.72 26.41 38.79 32.17
Operating Cash Flow Coverage Ratio
 0.00 1.21 0.55 0.43 0.93
Operating Cash Flow to Sales Ratio
 0.00 0.32 0.13 0.11 0.28
Free Cash Flow Yield
0.00%14.21%9.31%6.15%10.03%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 8.81 7.58 9.19 8.28 10.93
Price-to-Sales (P/S) Ratio
 2.51 2.13 1.37 1.68 2.73
Price-to-Book (P/B) Ratio
 1.45 1.13 1.21 1.39 2.15
Price-to-Free Cash Flow (P/FCF) Ratio
 0.00 7.04 10.74 16.25 9.97
Price-to-Operating Cash Flow Ratio
 0.00 6.75 10.33 15.83 9.66
Price-to-Earnings Growth (PEG) Ratio
 0.23 0.19 -0.85 10.27 2.06
Price-to-Fair Value
 1.45 1.13 1.21 1.39 2.15
Enterprise Value Multiple
 6.75 5.88 7.14 4.50 7.22
Enterprise Value
 207.33M 161.42M 143.46M 107.36M 168.07M
EV to EBITDA
 6.75 5.88 7.14 4.50 7.22
EV to Sales
 2.53 2.15 1.40 1.26 2.44
EV to Free Cash Flow
 0.00 7.10 11.01 12.14 8.91
EV to Operating Cash Flow
 0.00 6.82 10.59 11.83 8.64
Tangible Book Value Per Share
 41.79 41.72 33.92 30.30 25.55
Shareholders’ Equity Per Share
 41.77 41.70 33.91 30.28 25.53
Tax and Other Ratios
Effective Tax Rate
 0.23 0.22 0.23 0.23 0.21
Revenue Per Share
 24.10 22.08 29.98 24.94 20.13
Net Income Per Share
 6.96 6.27 4.53 5.07 5.03
Tax Burden
 0.77 0.78 0.77 0.77 0.79
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.00 0.00 0.34 0.27 0.33
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 <0.01 <0.01
Income Quality
 0.00 1.11 0.88 0.52 1.13
Currency in USD